Channel planning
Define how customers will pay across the approved online, remote, mobile or other supported commercial channels used by the business.
Credit Card Direct
A direct path from card payment to business account
Prominence Bank helps eligible businesses organize card acceptance, transaction processing, settlement and reconciliation through a coordinated banking service designed around their commercial model.
Card acceptanceSettlement flowsBusiness reporting
One coordinated workflowConnect acceptance, processing information and the designated settlement account.
Business-ready visibilityOrganize payment, adjustment and settlement data for practical reconciliation.
Designed to evolveBuild for current channels while keeping future growth and market expansion in view.
Payments connected to banking
More than accepting a card
A card payment begins with a customer, but it creates work across the entire business. The transaction must be presented through the approved channel, processed through the applicable payment arrangement, reflected in reporting and matched to the value received in the business’s banking account.
Credit Card Direct brings these activities into one service conversation. Prominence Bank works with eligible clients to understand the commercial journey, determine the relevant banking and processing relationships, map settlement accounts and establish an operating view that finance teams can use.
The structure can support businesses that sell online, invoice clients remotely, operate service platforms or receive card payments across approved channels. Each arrangement is shaped around the business model, transaction profile, currencies, expected markets and the operational partners involved.
Service capabilities
01
02
03
04
05
06
A complete commercial payment framework
The service aligns the customer-facing transaction with the banking processes that operate behind it.
Payment-flow design
Map the movement of transaction information from the customer interaction through processing and into the relevant banking workflow.
Settlement account alignment
Connect eligible card settlements to the designated business account, with attention to currencies, schedules and the operating model.
Transaction reporting
Organize approved payment, fee, adjustment and settlement information so the client can maintain a consistent financial record.
Reconciliation workflows
Support repeatable comparison of commercial orders, payment records and bank-account movements across the applicable payment cycle.
Operational servicing
Establish points of contact and procedures for questions relating to transaction status, settlements, adjustments and service changes.
Customer and business experience
A smoother front end, a clearer back office
Customers expect a payment experience that feels immediate and familiar. Businesses need something different behind the scenes: reliable transaction references, clear settlement information and a practical way to investigate exceptions.
Credit Card Direct is organized to serve both sides of that experience. The customer journey can remain simple while the business receives the structured information needed to manage finance, treasury and service operations.
- Consistent transaction references
- Clearer settlement-account mapping
- Organized adjustment information
- Business-focused support workflow
Implementation path
Plan, configure and operate
The process begins with the commercial model and ends with a payment workflow the client can manage day to day.
Understand the business
Review the products or services, customer journey, markets, currencies, channels and expected transaction characteristics.
Structure the service
Map the applicable payment relationships, account design, settlement route, reporting needs and operational responsibilities.
Prepare the workflow
Coordinate technical and operational readiness, including transaction references, testing, reconciliation and support procedures.
Launch and refine
Move into active service with a defined operating rhythm, then adapt reporting and controls as the business develops.
Make settlement part of cash management
Card activity affects more than sales reporting. It influences the timing of available funds, account balances, currency positions and short-term liquidity planning. A clear settlement-account structure helps the treasury team understand how commercial payments translate into bank movements.
Where the approved arrangement involves multiple currencies or markets, the account and reporting design can be considered alongside the client’s broader banking and treasury setup.
Give teams a consistent way to resolve exceptions
Refunds, reversals, adjustments and other exceptions require good references and ownership. The service framework defines how the relevant information is identified and which operating route applies.
This supports faster internal coordination among customer service, finance and treasury teams and creates a clearer basis for communicating with the applicable payment or processing partner.
Designed for growth
A framework that can develop with the business
As a company grows, its payment profile changes. New channels, products, territories and customer segments can create different settlement and reporting needs.
Channel expansion
Review how additional approved sales channels connect to the existing transaction and settlement model.
Market development
Consider the banking, currency and operating implications of extending commercial activity into new markets.
Reporting maturity
Refine the information used by finance and treasury teams as transaction volume and organizational complexity increase.
Frequently asked questions
Credit Card Direct, explained
Can an international business use the service?
International business models can be evaluated based on the approved markets, currencies, customer journey, transaction profile and the processing and banking relationships required.
Can settlements connect to a Prominence Bank business account?
The intended settlement structure is reviewed as part of the service design. Where supported by the approved arrangement, eligible settlements can be aligned with the designated business banking account.
Does the service include reconciliation information?
The operating model can include applicable payment, fee, adjustment and settlement information to support the client’s internal reconciliation process.
What information helps begin a conversation?
A useful overview includes the business model, products or services sold, expected payment channels, markets, currencies and approximate transaction profile. That allows the team to identify the most relevant service design.
Connect payments to your banking strategy
Build a clearer card-payment workflow for your business
Talk with Prominence Bank about your customer journey, transaction model and settlement needs. Our team will help organize the applicable route from acceptance to account.